Authentication Method in Contactless Payment Systems

This article proposes a modification of the customer's identification method in terms of biometric identification and geolocation of users. The stages of identification are considered, accounting for set of characteristics (tuple of geolocation data, i.e. user motion through time and space, and parameters of their purchase). Based on the above mentioned data, the table of payment statistical probability is created; the user is identified on the basis of the table. Data tuple of client's movements and making a purchase is clustered by comparing the distance from the user location coordinates and time of their payment to the boundaries of existing clusters, allocating user to either the “identified”, “unidentified”, or “requires the identification of the PIN (Personal identification number)”. The necessary conditions for implementing a contactless payment system are high level of security, easy to use, which has the ability to work without a bank card, reliability, flexibility, scalability, efficiency. The proposed method makes it possible to increase the level of transaction security, reduce theft contributes to increasing of the attractiveness of implementation of this technology in banks.